SERVICE OPPORTUNITY FOR SENIORS

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1970

Legal Domicile

Principal Officer

CHARLIE DETERLINE

Phone

5105821263

Tax Period

2023-07-01 to 2024-06-30

SERVICE OPPORTUNITY FOR SENIORS, founded in 1970, is a community nonprofit in the Food, Agriculture & Nutrition sector that reported $9.2M in total revenue in fiscal year 2023. Revenue surged 38% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.9M, a strong 20% operating margin.

Mission

WE FOSTER THE INDEPENDENCE AND DIGNITY OF OLDER ADULTS BY REDUCING FOOD INSECURITY AND ISOLATION, WITH DAILY NUTRITIOUS MEALS, FRIENDLY VISITS, AND CONNECTION TO SUPPORT SERVICES.

Program Service Accomplishments

Program 1

Expenses: $6,038,365 Revenue: $522,543

THE MEALS ON WHEELS PROGRAM SERVED APPROX. 567,000 MEALS TO 3,000 UNDUPLICATED HOMEBOUND SENIORS DURING FISCAL YEAR ENDED JUNE 30, 2024. NUTRITIOUS BALANCED MEALS WERE DELIVERED DIRECTLY TO QUALIFIED HOMEBOUND SENIOR CITIZENS FIVE DAYS A WEEK. COLD AND FROZEN MEALS WERE DELIVERED ON THURSDAYS AND FRIDAYS FOR THE WEEKEND. A WELLNESS CHECK OF THE HOMEBOUND SENIOR WAS NOTED BY THE DRIVERS AT THE TIME OF THE MEAL DELIVERY. THE ORGANIZATION PROVIDES SERVCICES IN THE COMMUNITIES OF OAKLAND, HAYWARD, SAN LEANDRO, SAN LORENZO, CASTRO VALLEY, FREMONT, NEWARK, AND UNION CITY.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $8,454,387

Program Service Revenue $522,543

Investment Income $187,655

Other Revenue $69,457

TOTAL REVENUE $9,234,042

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,396,604

Fundraising Expenses $468,290

Program Expenses $6,038,365

Other Expenses $3,962,700

TOTAL EXPENSES $7,359,304

Year-over-Year Comparison

	2023	2022	Change
Revenue	$9,234,042	$6,682,300	+0.4%
Expenses	$7,359,304	$6,176,583	+0.2%
Net Income	$1,874,738	$505,717	+2.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

125

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$187,442

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BLAKE SPEARS	PRESIDENT	2.00	Officer Director	$0	$0	$0
KAREN FRIEDMAN	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
BILL HEIL	TREASURER	2.00	Officer Director	$0	$0	$0
MARY LOUISE ZERNICKE	SECRETARY	2.00	Officer Director	$0	$0	$0
ADRIEN ABUYEN	DIRECTOR	2.00	Director	$0	$0	$0
NICK BRADY	DIRECTOR	2.00	Director	$0	$0	$0
JUDY CHEN	DIRECTOR	2.00	Director	$0	$0	$0
JIM DUNN	DIRECTOR	2.00	Director	$0	$0	$0
ARASH GHASSEMI	DIRECTOR	2.00	Director	$0	$0	$0
KRISTA LUCCHESI	DIRECTOR	2.00	Director	$0	$0	$0
NATE OFFENBERG	DIRECTOR	2.00	Officer Director	$0	$0	$0
PCYETA STROUD	DIRECTOR	2.00	Director	$0	$0	$0
LADONNA TOLIVER	DIRECTOR	2.00	Director	$0	$0	$0
CHARLIE DETERLINE	EXECUTIVE DIRECTOR	40.00	Officer	$174,849	$12,593	$187,442
CADRE MANDY	OPERATION DIRECTOR	40.00	Highest	$110,262	$3,777	$114,039

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	$9,234,042	$7,359,304	$9,935,920	$1,874,738
2023	$6,682,300	$6,176,583	$7,315,629	$505,717
2022	$7,026,415	$6,416,529	$5,850,077	$609,886
2021	$7,586,020	$5,836,698	$5,364,176	$1,749,322
2020	$5,931,207	$4,332,266	$3,456,726	$1,598,941
2019	$4,124,326	$3,855,574	$1,773,423	$268,752
2018	$3,644,091	$3,129,902	$1,507,838	$514,189